EDITOR’S RATING

PROS

CONS

Complaints about high premiums and claims servicing.

Limited coverage options and discounts.

No rideshare coverage.

Nationwide Review Summary: Nationwide auto insurance offers little that stands out from the competition, aside from the company’s catchy commercial jingle. Nationwide’s car insurance coverage options are pretty basic, and their list of discounts is relatively limited compared to other auto insurers. Nationwide does, however, make it convenient to bundle auto insurance with other types of policies. It’s a one-stop shop.

One interesting thing to note about Nationwide car insurance is that it’s not available in all 50 states. Residents of Alaska, Hawaii, Louisiana, and Massachusetts are out of luck. You can learn more about Nationwide’s coverage options and policy discounts below. You can also see how they compare with top competitors like GEICO, State Farm and Allstate.

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Nationwide Auto Insurance Reviews & Ratings

National Association of Insurance Commissioners (NAIC): Nationwide had fewer complaints than most car insurance companies in 2018.

Nationwide has received average ratings for overall customer satisfaction and claims support. Online complaints generally focus on high rates and claims servicing problems. Nationwide is on solid footing when it comes to financial strength, receiving an A+ (Superior) rating from A.M. Best, a leading credit rating agency in the U.S.

Total Loss Deductible Waiver: Waives your comprehensive or collision deductible if you completely total your car in an accident.

Nationwide also provides their customers with an annual On Your Side® Review at no extra cost, where an insurance professional reviews your existing policies to ensure that you are adequately protected.

Please note that coverage availability and details vary by state. Prospective customers are encouraged to call Nationwide to confirm coverage options in their states.

Nationwide Commercial Car Insurance for individuals who use their vehicles for business. In addition to the standard coverage options, you can also purchase special add-ons for your commercial policy, such as roadside assistance, new vehicle replacement, towing and more.

Nationwide also protects vehicles built for enjoying the great outdoors, offering insurance for motorcycles, RVs, snowmobiles, personal watercraft, boats, scooters and ATVs.

Sample Nationwide Car Insurance Quotes

WalletHub’s editors pulled sample Nationwide car insurance quotes for a total of six driver profiles. This sample is fairly representative of drivers across the U.S., but premiums may vary by state and coverage level.

Sample Age

Clean Driving Record

Poor Driving Record

21

$479 / month

$547 / month

30

$265 / month

$302 / month

42

$244 / month

$281 / month

Learn more about how we obtained these sample quotes in the Methodology section at the end of the review.

Nationwide Discounts

Multi-policy: $710 per year in savings on average when you buy both home and auto insurance policies from Nationwide.

Safe driver: Discount for maintaining a clean driving record for at least 5 years. Drivers age 55+ with no at-fault accidents in the last 35 months may also be eligible for savings after completing a defensive driving course.

Anti-theft: Discount for having an anti-theft device in your vehicle.

Good student: Student drivers between the ages of 16 and 24 may be eligible for a discount when they maintain a B average or better.

Easy Pay: A one-time discount when you sign up for autopay for your policy.

Affinity member: Discount for individuals who belong to certain qualifying organizations, such as alumni associations, professional groups, etc. The amount of the discount varies.

Eligibility criteria for discounts vary by state, and not all discounts are available in all states.

Nationwide vs. GEICO, State Farm & Allstate

Insurer

Nationwide

GEICO

State Farm

Allstate

Average Annual Premium

$4,122

$3,546

$3,925

$4,949

Customer Satisfaction*

2/5

3/5

3/5

3/5

WalletHub Ranking (total of 46 companies)

32nd

21st

26th

40th

Complaints Score (lower is best) (lower is best)

0.46

0.84

0.59

0.88

*Ratings are from JD Power’s 2019 automotive insurance surveys.

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Age

16-20

21-24

25-34

35-44

45-54

55-65

65+

Currently Insured?

Methodology

In order to determine Nationwide’s ranking in the auto insurance industry, WalletHub’s editors reviewed the policies offered by the largest, most popular car insurance companies in the United States. We evaluated the relative strengths and weaknesses of each company, along with the types of drivers each is best positioned to serve.

More specifically, WalletHub’s Nationwide car insurance rating is based on a combination of factors, which research has shown to be particularly important for car insurance shoppers.

Customer reviews

Watchdog ratings

Coverage options

Coverage limits

Cost

Transparency

Claims process

Customer service

To gauge the level of customer satisfaction at Nationwide and other companies, WalletHub calculates a complaints score for each insurer. This score is the ratio of each insurer’s share of all U.S. car insurance complaints over the insurer’s share of annual premiums for private passenger auto policies. Put another way, the complaints score reflects the number of complaints adjusted to the size of the auto insurer. The adjustment is necessary, as larger companies generally receive more complaints.

To calculate and compare the cost of Nationwide auto insurance, WalletHub collected quotes from all major auto insurers for at least 30 cities in California. We obtained quotes from the state regulator’s database for drivers varying in age and driving record. For our sample quotes, a good driving record assumes no accidents. A poor record assumes at least one at-fault accident or one traffic violation. By receiving quotes for multiple driver profiles, WalletHub ensured a diverse sample. California was chosen given that it is the most populous state in the U.S. (12% of total population), and it lands in the middle of the price rankings in WalletHub’s 2019 Cheap Car Insurance Study.

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